The main work contents of the insurance adjuster:

1. After receiving the notice of survey and loss determination, organize customers and relevant personnel to conduct on-site survey and evidence collection to verify the loss of insurance accidents;

2. Meet with customers, check and determine the validity of property rights, find records of police and hospitals, and determine responsibilities;

3, investigation and evidence collection, collection, collation and review of investigation and damage assessment data;

4. Check the claim form and other records, determine the scope of insurance liability, and make compensation adjustment for all claims and agency claims within the scope of duties;

5. Explain the claim conclusion to customers and agents reasonably, and deal with customers' opinions on survey and damage assessment and claim feedback;

6. Filing claims documents, establishing and maintaining claims business database and customer risk files, analyzing customer risk distribution, and putting forward risk management countermeasures to ensure that claims information data is true and accurate;

7. Study the policies, management systems and practical processes related to claims, and put forward suggestions for drafting and revision, so as to continuously improve the quality and efficiency of claims.

Extended data:

Insurance adjuster

1, professional requirements

(1) education and training:

Bachelor degree or above in insurance, law, accounting, finance and other related majors.

(2) Work experience:

At least 2 years practical experience in insurance claims or insurance business, with insurance qualification certificate is preferred.

2. Wages and treatment

The average annual salary of insurance assessors in China is 36,000 yuan, and the annual salary of assessors in first-tier cities such as Shanghai, Shenzhen and Guangzhou can reach 70,000-80,000 yuan. Among them, the salary provided by wholly foreign-owned enterprises in Europe and America can reach 65438+ 0.3 times the average salary. The salary of the claim adjuster is linked to the working years, and the longer the working hours, the higher the income.

3. Development path

Insurance assessors are generally divided into two types: direct claims by insurers and claims by insurance agents. In property and liability insurance, claim adjusters mainly include claim adjusters, corporate claim adjusters, independent claim adjusters and public claim adjusters.

According to the present situation and development of different industries, there is the greatest demand for talents in automobile and medical claims. ?

Insurance assessors can be promoted to higher positions such as claims department manager and customer service department director, or transferred to other departments of insurance companies or promoted to higher administrative positions. In addition, good quality allows them to develop in the direction of financial planners and certified public accountants.

Insurance adjusters generally need to practice at the counter or related service positions for about half a year before they can arrive at their posts. After settling claims, it is divided into reporting, preliminary examination, handling (adjustment), investigation and post-examination.

Since 20 1 1, insurance companies have mainly adopted the methods of open recruitment and centralized recruitment of college students, and generally can take up their posts without special professional certificates. Those who have been engaged in the post of claim counter at the grassroots level for more than 2 years can apply for the professional qualification examination for nuclear personnel organized by various companies, and obtain the qualification of primary nuclear claim adjuster after passing the examination. After 4 years, you can apply for intermediate applicants (included in the national economic professional and technical qualification examination system). In principle, senior loss adjusters need to report to the Head Office for approval.

Judging from the number of applicants for the vocational qualification examination organized by insurance companies in 20 12 and the number of people who passed the examination in 2009, at present, people without qualification certificates mainly work in units below the municipal level, with more daily contacts with customers, and their work is comprehensive but slightly less professional.

Most junior underwriters have worked for more than 4 years, and in general, they will be transferred to specific positions of higher-level units in the fifth year. Generally, there are intermediate compensation officers at the municipal level, mainly engaged in the examination and approval of cases. Senior assessors are relatively difficult to obtain, some provinces and municipalities directly under the central government only have single digits, and most of them are engaged in business supervisor and backstage approval.

References:

Baidu encyclopedia-insurance adjuster